How do I plan to use Chase Freedom Unlimited

The content of this page is accurate as of the publication date; however, some offers from our partners may have expired. Browse our list of the best credit cards or use our CardMatch™ tool to find the cards that suit your needs.

I’m a committed planner, so much so that I’ve already bought a cemetery plot.

And when it comes to choosing a credit card, my need for planning is no exception.

I am also a minimalist – for a long time I had only one credit card – Discover it® Cash Back.

But when I was planning a trip to Europe, I knew that I would need another credit card because Discover is not as widely accepted there as Visa or Mastercard.

I’ve been shopping.

I compared.

And I have Chase Freedom Unlimited.

First, I earned a bonus

I got the card a couple of months before my trip and immediately made the $500 purchase needed for the $200 sign up bonus by buying plane tickets through Chase Ultimate Rewards (earn $200 by spending $500 in the first three months), which also earned me 5 percent cashback.

In the meantime, I used the 5% cashback on Lyft rides (offer valid until March 2025), which means I earned 3.5% cashback on top of the standard 1.5% cashback.

I also use this card for all pharmacy purchases to get 3% cashback. And, of course, I get my usual 1.5 percent on everything else I buy.

I have been using DashPass for free for three months and will definitely be using DoorDash 50% off DashPass for the next nine months.

Other things I love about Chase Freedom Unlimited include the lack of refund restrictions. I can redeem my rewards at any time for cashback, gift cards, travel or products; and my rewards never expire as long as my account stays in good shape.

I can also use the Chase Pay Yourself Back feature to use my points for purchases in certain categories and receive a refund using a credit statement.

And for a limited time, I can redeem points for 1.25 cents per point when I donate to eligible charities, which works for me as I regularly donate to the ASPCA.

I don’t mind paying foreign transaction fees

My Chase Freedom Unlimited charges an international transaction fee of 3 percent, but I also planned this – I will use the card in restaurants to receive 3 percent cash (takeaway and related delivery services included), which will essentially “cancel” the fee for a foreign transaction.

The 0 percent starting APR on purchases for the first 15 months my account is open is another attractive feature of Chase Freedom Unlimited (from 17.24% to 25.99% variable APR after that) – though I I rarely keep a balance sheet, it’s nice to know that I could for a while without charging interest.

The variable APR for the card is listed as 17.24 percent to 25.99 percent and due to my credit score of 830 I scored 17.24 percent – late fees up to $40 weren’t an issue as I didn’t get that credit score for overdue account.

The icing on the cake was the absence of an annual fee for the card.

I wanted travel and security benefits

Another reason I chose Chase Freedom Unlimited is because it has a lot of travel-related benefits.

For example, I get car rental damages waiver, trip cancellation/interruption insurance, and travel and emergency benefits, all of which can come in handy when traveling in Europe.

I was also drawn to the comprehensive security benefits of zero liability protection, purchase protection and extended warranty, and fraud monitoring.

Finally, a free credit card score and Credit Journey identity recovery sealed the deal.

bottom line

Chase Freedom Unlimited is a great all-around cash back card with a decent signup bonus and a great APR introductory offer.

I can use it to earn Ultimate Rewards with no annual fee, and I’m even considering pairing it with a Chase Sapphire Preferred Card to get more out of these Ultimate Rewards.

The protection and insurances will allow me to travel without worries, and I even have a friend who will line up to receive a card that will give me a $100 referral bonus.

I really couldn’t ask for more from a credit card, except perhaps that it didn’t have those pesky foreign transaction fees.

Editorial disclaimer

The editorial content on this page is based solely on the objective judgment of our contributors and is not based on advertising. It was not provided or ordered by credit card issuers. However, we may receive compensation when you click on links to our partners’ products.

Tags: , , ,
Previous Post
Credit Cards

Best Place to Buy Diamonds: Save up to 50%

Next Post
Credit Cards

Should I transfer my credit card balance?

Leave a Reply

Your email address will not be published. Required fields are marked *